| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 5530 TRABUCO ROAD IRVINE, CA 92620 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 750 THE CITY DRIVE ORANGE, CA 92868 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.03% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 5530 TRABUCO ROAD IRVINE, CA 92620 | HUMANA, INC. | $463 | — | $463 | 14.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | HUMANA, INC. | $77 | — | $77 | 2.49% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 108 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $74K |
| Life insurance | HUMANA, INC. | 111 | $3K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 108 | $1.1M |
| Other | HUMANA, INC. | 111 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.